(Image credit: Getty Images) The clients of our firm worked for their money. I cannot think of a single client who inherited a meaningful chunk of their net worth. There are things we do for all of them to protect what they have built — if that's the intent. The list that follows is somewhat anecdotal, but it is my attempt to capture the significant, but addressable, risks to wealth that I have seen thousands of very successful retirees ignore time and time again. 1. Estate planning There is a rule of thumb that says that you should review and possibly update your estate plan every five years. I have seen very few folks do it with this frequency, but even if you do check that box, that's only part of what I'm describing here. From just $107.88 $24.99 for Kiplinger Personal Finance Become a smarter, better informed investor.…